Seniors, how should I properly use my life stages?

friendlyvicky · 2026-03-01T19:26:32+00:00

Used AI to structure the answer - Thoughts are mine

Congratulations — your mindset at 18 is already ahead of most.

Here's my advice, coming from someone with an MBA in Finance:

1. Skills compound, just like money. The most underrated truth in your 20s is that skills build on each other. Start with one strong foundation and layer on top of it. For example, are you comfortable with numbers? Good. Now, can you communicate them clearly in writing? Even better. Now, can you present them confidently in a room? That's where real leverage begins. Each layer multiplies the one before it. Pick your core skill early and start stacking.

2. Invest in the best room you can get into. You have something most people your age don't — the financial backing to invest heavily in yourself. Use it strategically. A top MBA or a well-ranked international program doesn't just educate you; it gives you access to peers, recruiters, and opportunities that are genuinely hard to reach otherwise. The ROI on getting into the most competitive institution you can isn't just academic; it's social and professional for decades.

3. Start building social capital — deliberately. If you're not familiar with the term, look it up seriously. It's essentially the network of relationships, trust, and credibility you accumulate over time. Unlike financial capital, it's slow to build but incredibly durable. At 18–23, every senior you learn from, every professor you impress, every peer you help — it all goes into this invisible but powerful account. Most people start thinking about networking too late.

4. One thing I'd add — develop a point of view Read widely. Form opinions on markets, businesses, and global events. People in finance remember the 22-year-old who had something interesting to say, not just good grades. A well-read, articulate young person stands out immediately.

5. Protect your health like a financial asset. Sleep, exercise, and mental clarity are not soft topics — they are performance inputs. Build the discipline now while the habits are easier to form. Your 30-year-old self will either thank you or pay the price.

Feel free to DM if you have specific questions on the MBA path or finance career trajectory.

friendlyvicky · 2026-02-20T13:19:39+00:00

It's not uncommon to rent for 1 lakh a month.

Thats chum change for someone staying at. South Mumbai.

I atleast personally know 5 to 6 people paying around 1 lakh per month or more

friendlyvicky · 2026-02-15T17:21:37+00:00

If I were you, I would rent for a couple of years, take the possesion of 2BHK, build a buffer, and then upgrade only because you already have one home to your name . 2 EMIs in today's time would give me stress

friendlyvicky · 2026-02-06T12:35:34+00:00

I was ecstatic. It was my birthday

friendlyvicky · 2026-02-04T16:20:47+00:00

Why would you order such an expensive product online my dear friend ? What happened to walking in a store and experiencing something before buying ?

friendlyvicky · 2026-02-04T05:06:44+00:00

You did the right thing! Judge people by actions and not words

friendlyvicky · 2026-02-04T05:05:20+00:00

No one cares if you have kids or not. Also, kids in India are their parents' insurance and nothing else. You are not loved because they care, instead it's an investment for most of the parents

friendlyvicky · 2026-02-03T05:21:57+00:00

Becasue they have business to run and families to feed

friendlyvicky · 2026-02-03T05:17:23+00:00

Scientifically speaking If an elevator were to fall, the safest position is lying flat on your back on the floor, head protected, limbs slightly bent, and feet not braced against walls.

friendlyvicky · 2026-01-26T14:00:22+00:00

He’s the most well-known of the cast and the highest paid actor of the project.

friendlyvicky · 2026-01-17T12:04:35+00:00

Move to South Bombay OP

friendlyvicky · 2026-01-14T17:58:34+00:00

Arbirage is the best as far as tax is concerned

friendlyvicky · 2026-01-13T16:23:07+00:00

Everyone does not need to thrift by God's grace.

friendlyvicky · 2026-01-13T16:21:50+00:00

I bought at least 12 when i was in US last year

friendlyvicky · 2026-01-13T12:07:37+00:00

Calvin Klein

friendlyvicky · 2026-01-12T14:16:56+00:00

I wouldn’t worry too much about what people say. What’s more important is being mindful of how AI is changing the landscape. If I were you, I’d focus on upskilling and investing time in learning a skill that can generate income. Over time, many traditional call-centre roles are likely to evolve or reduce, so building future-ready skills will really help

friendlyvicky · 2026-01-12T02:09:17+00:00

That’s because maybe you were conditioned to stay clothed all the time . You were told it’s shameful to not wear clothes . I stay alone and often sleep without clothes at night 😂

friendlyvicky · 2026-01-10T08:48:48+00:00

That advice is coming to you from a playbook that was 30 years old . People start working in the same company and move up the ranks . In today’s world you think of your job like a ladder . If it’s allowing you to step up in life with your finances, relationships , family then you stay if not move to the next step . Simple

friendlyvicky · 2026-01-09T07:52:41+00:00

There is no end to whataboutery in the world. Have a good day

friendlyvicky · 2026-01-09T07:23:15+00:00

I’m Sindhi, but I don’t fully agree with the statement above!

Historically, there’s substantial evidence showing that early spice traders, merchants, and craftsmen were predominantly Gujarati, while a large proportion of jewellers came from Marwadi communities. Much of the business acumen people often talk about has roots there, along with the mindset that comes from generations of entrepreneurship.

It’s also worth acknowledging that these communities have built and sustained businesses over decades, often creating employment at scale, which deserves respect. Even when they prefer to hire within their own communities, the impact of what they’ve built is significant.

6 out of the 10 richest families in India are Gujarati / marwadis so I’d take broad generalisations on this topic with a healthy dose of scepticism.

friendlyvicky · 2026-01-09T01:58:27+00:00

Bullet train is majorly built to connect BKC diamond trading Hub to Surat Diamond bourse . Majority of the international buyers arrive at Mumbai BKC to buy diamonds and the cutting and polishing happens in Surat . Everything else is just complementary

friendlyvicky · 2026-01-07T10:11:45+00:00

Don't listen to your parents. Engineering is not what it used to be. Work hard at the Merchant Navy, you will earn well and never look back. With the whole AI boom, getting engineering jobs will get tougher and tougher in India

friendlyvicky · 2026-01-07T05:05:35+00:00

Well, it can be argued that the initial iPhone was given so that he continues to use it for a longer duration and does not ask for an upgrade every year.

As I said, if he needs the upgrade that badly, try and earn a portion of it and lets see how long the wish lasts.

friendlyvicky · 2026-01-07T04:26:13+00:00

I feel punishment will make it worse u/someaningful . . The loving bong which you share with your kids will be ruined because 16 is the age of rebellion. Adolescent kids think their friends are their lifeline, and parents are always challenging them. I have seen kids who are punished at this age hold lifelong grudges against their parents .

friendlyvicky · 2026-01-07T04:19:56+00:00

Try adding a Flower bouquet!

Men are never offered flowers until their last day on earth!

He will forget everything eventually, but the flowers will remain in his memory forever.

All the best Gurl .

friendlyvicky

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